Life insurance

[autumn_limco]

WHO AMONG YOU HAS ONE? i'm planning to have one but is it worth the money? it covers accidents and even death. let me know your opinions. thanks.

[Cornelius]

Autunm there are many different life Insurance policies to choose from. It's best if you find an independent agent and speak with them to address your needs. To get a ballpark figure on Term Life you can go to Term4Sale.com - Term life insurance comparisons (over 100 companies)

Remember the rates are set after you go through underwriting with the individual company. There are some companies that don't require a physicaly or blood but in most cases they will cost more.

As for Accidential Death, it will only cover death from an acident, but of course you should read the policy and/or brochure to see what's covered.

My hubby has one and we are looking at one for me too. I recently saw a commercial for www.selectquote.com which is like Lending Tree but for Life Insurance. I haven't used it but maybe it will help you get a nice quote?

[Cornelius]

When shopping for insurance there's more to it than just price. Different carriers rate people differently. So depending on underwriting it amy be a good idea to place each spouse with different carriers. There is no one size fits all. Then there's the different features of a policy. Such as the guarantee period, is it convertable, the available riders, etc. Be it buying online or from an agent there is no different in cost. So why not speak with an independent agent who can answer your questions and who will sit with you face to face

[JillD19]

Something I have found helpful in looking at different life insurance options is Allstate Financial's Web site: Personal Finance Guides, Tools & Calculators, & Financial Products - My Allstate Financial

They have a ton of articles on different options based on your current situation as well as financial calculators that help you choose the best plan. Life Insurance Quotes - Allstate Financial

Hope that helps!

Jill
Advocate of Allstate

My hubby's life insurance is thru our Allstate agent

[Cornelius]

Just as a side note. Different companies offer different products and features. Do a quopte from the All State site and then go do a quote at Term4Sale.com - Term life insurance comparisons (over 100 companies).

[Cornelius]

Here is a site for some great information on Life Insurance:
Life Insurance - LIFE Foundation

[mathelda]

I visit your site its really good and informative.

[kevinn2233]

Good Question.

I like Allstate Life Insurance. They have some nice tools in their articles and calculators section.

Hope this Helps!

Kevin N
Allstate Insurance Advocate